With an Overdraft Line of Credit, if a transaction is presented for payment and there are not adequate funds in your checking account, we will transfer the amount necessary to cover the transaction up to your available credit limit.

Overdraft Protection Line of Credit Features

Overdraft Line of Credit is an unsecured revolving credit line of credit

No Monthly Service fees

Maximum credit line is $2,500

Advances are made for the exact amount of the overdraft

Minimum monthly payment is $15

Monthly payments are recalculated after each advance and are based on the greater of 3% of the outstanding loan balance, or $15

A Home Equity Line of Credit makes the most sense if you want to put on an addition, add a pool, or landscape your yard. It is always a smarter choice if you anticipate needing a big chunk of cash more than once in the coming years. Many people open a line of credit just for the security of having access to cash if they need it.

No application fees, No points and No origination fees

No closing cost for lines up to $50,000 (24 month early close-out penalty applies)

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If you're looking for a home equity loan with a fixed rate, and have one specific purpose in mind for a lump sum of money, this is the product to choose. It may be the right choice for consolidating higher interest rate debts and be rid of that debt within a 60 to 240 month term.

No closing cost for lines up to $50,000

Up to 90% of appraised value

Loan amount from $5,000 - $200,000

Up to 20 year term

Fixed Rate

AutoPay options available

Internet and Telephone Banking access

Tax Deductibility - Consult a tax advisor regarding the deductibility of interest and charges. The interest paid may be tax deductible

Available on primary residence located in Monroe, Orleans, Genesee, Livingston, Ontario and Wayne County

Is structured as a Line-of-Credit (LOC), which you can then use over multiple years. The benefit is that with just one application you can qualify for a LOC that will cover the remainder of your undergraduate career (up to $75,000)*. Each year, you simply determine how much of the eligible LOC amount you'll need - without having to complete an entirely new application!